What type of insurance is legally required for motorcycle riders in Missouri?

In Missouri, motorcycle riders are legally required to carry liability insurance. This type of insurance provides coverage for bodily injury and property damage that the motorcyclist may cause to others in the event of an accident. It is essential for protecting both the rider and other road users, as it ensures that there are funds available to cover damages or injuries resulting from the rider's actions.

Liability insurance does not cover the rider's own injuries or damage to their own motorcycle; that goes beyond the legal minimum requirements. Instead, it focuses specifically on the financial responsibility of the motorcyclist towards others involved in an accident. This is an important aspect of driving any motor vehicle, as it reflects the principles of accountability and protection on the roads.

Comprehensive insurance covers damage to the motorcycle from non-collision incidents, like theft or vandalism, while collision insurance covers damage to the motorcycle from accidents. Health insurance, while important for medical expenses, is not specifically mandated for motorcycle operation. Thus, liability insurance is the only type required by law for riders in Missouri.